Closing Costs, Payment and Cash-to-Close
Buyer’s closing costs and cash required at closing for any buyer or borrower is computed based on the buyer’s or borrower’s transaction characteristics. The buyer’s closing costs, including mortgage lender fees based on current mortgage rates and pricing, title company fees, and pre-paid items are accurately computed based on the buyer’s or borrower’s input. AmeriFund’s closing cost estimate is the most detailed and accurate cost calculator available online.
Current Mortgage Interest Rates (click to open)
| Conforming | |||||
| 30 yr fixed-rate | |||||
| Rate | APR | Points | Lender Credit | ||
| 7.000% | 7.270% | 1.625 | 0.000 | ||
| 7.125% | 7.350% | 0.250 | 0.000 | ||
| 7.250% | 7.420% | 0.000 | 1.000 | ` | |
| 7.375% | 7.480% | 0.000 | 1.625 | ||
| Conforming | |||||
| 20 yr fixed-rate | |||||
| Rate | Points | Lender Credit | |||
| 3.875% | 3.270% | 1.375 | 0.000 | ||
| 4.125% | 3.350% | 0.000 | 0.125 | ||
| 4.375% | 3.420% | 0.000 | 1.375 | ||
| 4.500% | 3.480% | 0.000 | 2.000 | ||
| 15 yr fixed-rate | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.500% | 2.670% | 1.375 | 0.000 | ||
| 3.750% | 2.730% | 0.375 | 0.000 | ||
| 4.000% | 2.760% | 0.000 | 0.750 | ||
| 4.125% | 2.840% | 0.000 | 1.250 | ||
| 10 yr fixed-rate | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.500% | 2.640% | 1.375 | 0.000 | ||
| 3.750% | 2.660% | 0.375 | 0.000 | ||
| 4.000% | 2.660% | 0.000 | 0.750 | ||
| 4.125% | 2.700% | 0.000 | 1.250 | ||
| Conforming | |||||
| 5/1 ARM | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.375% | 3.320% | 0.875 | 0.000 | ||
| 3.625% | 3.320% | 0.250 | 0.000 | ||
| 3.875% | 3.320% | 0.000 | 0.625 | ||
| 5.000% | 3.320% | 0.000 | 0.750 | ||
| 7/1 ARM | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.500% | 3.320% | 1.125 | 0.000 | ||
| 3.750% | 3.320% | 0.125 | 0.000 | ||
| 4.000% | 3.320% | 0.000 | 0.500 | ||
| 4.125% | 3.320% | 0.000 | 0.750 | ||
| Non-Conforming (Jumbo) | |||||
| 30 yr fixed-rate | |||||
| Rate | APR | Points | Lender Credit | ||
| 4.250% | 3.830% | 1.500 | 0.000 | ||
| 4.500% | 3.930% | 0.375 | 0.000 | ||
| 4.750% | 4.020% | 0.000 | 0.250 | ||
| 4.875% | 4.110% | 0.000 | 0.500 | ||
| 15 yr fixed-rate | |||||
| Rate | APR | Points | Lender Credit | ||
| 4.125% | 2.710% | 1.375 | 0.000 | ||
| 4.375% | 2.740% | 0.875 | 0.000 | ||
| 4.625% | 2.780% | 0.250 | 0.000 | ||
| 4.750% | 2.840% | 0.000 | 0.000 | ||
| Non-Conforming (Jumbo) | |||||
| 5/1 ARM | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.875% | 2.570% | 1.375 | 0.000 | ||
| 4.125% | 2.680% | 0.875 | 0.000 | ||
| 4.375% | 2.780% | 0.250 | 0.000 | ||
| 4.500% | 2.890% | 0.000 | 0.000 | ||
| 10/1 ARM | |||||
| Rate | APR | Points | Lender Credit | ||
| 3.875% | 3.120% | 1.500 | 0.000 | ||
| 4.125% | 3.210% | 0.875 | 0.000 | ||
| 4.375% | 3.310% | 0.125 | 0.000 | ||
| 4.500% | 3.410% | 0.000 | 0.125 |
About our mortgage rates table
Current mortgage rates, updated daily
We post mortgage rates daily at about noon, Monday through Friday. We only post three or four of the most frequently requested rates. We have lower mortgage options on most programs and higher rates options with lower costs.
The points in the table include all lender fees, including origination and discount points, shown as a percentage of the loan amount. There are no other hidden lender fees such as processing and underwriting fees. They are all included in the points quoted in the table
At certain rates, there are no fees charged by AmeriFund. At that interest rate AmeriFund pays a credit to the borrower that can be applied toward other third party costs at closing such and settlement, title and recording fees.
You can see payment breakdown, detailed closing costs and cash to close at any of these rate options by completing the form on this page which utilizes the current pricing shown in the table. The form is currently only available for transactions secure by a single-unit primary residence for conforming and best-priced non-conforming (jumbo) fixed-rate programs. We’ll be adding additional functionality in the near future.